0 Where to Begin The best place to begin to build personal wealth for most people is right at work. And it’s often overlooked. Get the right benefits for you and your family. Choose the right package for your needs and ability Maximize any employer contributions to plans Add any optional benefit which will help you Get the best advice available, either at work or from benefit providers. This is your lowest cost approach. Most of your planning has been done for you and professional advice is there for your taking. Just keep asking questions until you get it right. This is important stuff – get things set up to best suit you and your family, wherever you are in your working career. This is like giving yourself a raise without asking.